INDIVIDUAL FINANCIAL PLANNING

In this period, the individual meets financial awareness for the first time. Learning to budget, grasping debt management, and stepping into the investment world are the building blocks of this phase. Solid steps taken at this stage, where personal responsibilities increase, form the foundation of future financial health.

With the process of starting a family, financial planning takes on a more holistic dimension. Goals are no longer just personal but shaped by the needs of a shared life. Regular savings, investment decisions, insurance solutions against risks, and planning for children come to the fore. In this period, where income and expense flows intensify, an effective investment and wealth management strategy is of critical importance.

This is the period where savings increase significantly, and their protection becomes equally important. Retirement planning, reviewing investment strategies in line with different life goals, evaluating tax advantages, and inheritance preparations come into play at this stage. The goal is to protect existing assets while continuing to grow them sustainably.

Active income leaves its place to passive income. The goal is now to maintain living standards, manage savings securely, and transfer wealth to future generations in a healthy manner. This is the phase where the fruits of life are harvested, and financial freedom is truly felt.